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Individuals who wish to cancel an insurance policy will need to do so in writing. The letter will then be mailed to the insurance company via the postal service. This is the best method to contact auto insurance companies and effectively communicate intentions.

Writing an Auto Insurance Cancellation Letter

A letter also prevents policy holders from having to talk directly to the representative of a company. Writing an auto insurance cancellation letter can easily be done by following a set of steps.​

Review Policy Information​Canceling an auto insurance policy can be done at any time. Auto insurance policies do not have any type of restriction that limits rights to cancel a policy.

Review the information included with the policy to ensure the proper cancellation procedure is used. The next step is to prepare a rough draft of the auto insurance cancellation letter.

Prepare Rough Draft

A rough draft can be typed in a text editor on a computer or a regular piece of paper. The first thing to state on the rough draft is the date. This needs to placed in the upper left corner of the document.​

Write or type the name on the policy and their address below the date. Below the address is the name of the insurer. Include the contact person if addressing an agent or company representative. A subject line will go on the next line with the account number.

Opening Paragraph

Begin the opening paragraph by requesting the cancellation of the auto insurance policy. Make sure to add a sentence stating that all charges or debits for payment be stopped.

The next sentence should state the date when the policy is to be effectively canceled. Make sure to send any payments that are due if the letter is not ready to send before the monthly premium due date.

The auto insurance company will refund any premium that was overpaid. If the policy has a cash value, then request that the amount be paid by check when sending any premium refunds.

The SalutationInclude a salutation at the end of the letter. This will ensure that there is no question about the intent to cancel the policy. Include the word “Sincerely” or use “Best Regards” for the salutation. This is the final part of an auto insurance cancellation letter. Make sure to sign the letter under the salutation.

Final Steps

​The next step is to create a final letter from the rough draft. This can be done by sending the letter over to a printer or by typing a new letter from the paper. Make two copies of the cancellation letter. Make sure to sign one copy and send it to the insurance company. The second letter is for personal records.
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​Sample 1 - Auto Insurance Cancellation LetterSeptember 1, 2015

Name on PolicyAddress of Policy HolderCity, State, Zip

XYZ Insurance CompanyAddress of CompanyCity, State, Zip

ATT: Cancellations

RE: Auto Insurance Policy #

Please consider this letter as a formal request to cancel the referenced auto insurance policy. Please stop all debits or charges for premium payments. The effective date of policy cancellation is 09/01/2015.

I am also requesting written confirmation of the cancellation and the return of any premiums. The cash value of the policy should also be sent with any returned premium. This action needs to occur within a period of 30 days from the receipt of this letter.

This letter is to inform you I wish to have my car insurance policy referenced above cancelled effective [cancellation date]. Please send a written confirmation letter to me within 30 days after the cancellation takes effect. Please refund any and all unused portion of my premium.

Please take this letter as a formal request to cancel my car insurance policy and stop all charges for premium payments. Please make this cancellation effective as of 10/20/15. I also request written confirmation of this cancellation, along with a refund for unused premiums, within 30 days from the receipt of this letter.